American Express The Platinum Card®

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Key Features

  • Earn 2 Membership Rewards® points for every S$1.60 spent
  • Earn 20 Membership Rewards® points for every S$1.60 spent with 10Xcelerator by Membership Rewards®
  • No Expiry Date on Membership Rewards® Points

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Overseas Spending
  • If you require emergency assistance while traveling, we can provide immediate personal advice over the phone. Our travel emergency assistance includes access to emergency services such as worldwide medical and legal assistance in the event of unforeseen circumstances.
  • Home Assist is available for urgent situations at your house. In the event of an emergency, we can arrange for an immediate callout to assess and repair any issues that arise.
  • With our Roadside Assist service, we are available 24/7 to provide assistance whenever you are on the road.
Entertainment
  • As a Card Member, you and your supplementary Card Members will receive a complimentary membership to Tower Club.
  • Take advantage of our exclusive golf privileges, which provide access to some of the finest courses both locally and abroad.
  • Your Card Membership also includes exclusive spa privileges for you to enjoy.
  • Enjoy complimentary weekend parking at Great World City with your Card Membership.
Dining
  • Love Dining @ Hotels by Platinum offers up to 50% savings at selected restaurants in some of Singapore’s best luxury hotels, including Fairmont Singapore, Swissôtel The Stamford Singapore, and St. Regis Singapore.
  • Love Dining @ Restaurants by Platinum provides up to 50% off a range of delectable cuisines available island-wide at our handpicked selection of restaurants.
  • With your Card Membership, you can enjoy S$400 every year to use at over 1,400 curated restaurants both locally and around the world.
Travel
  • For you and your Supplementary Members, access over 1,400 airport lounges in 650 cities worldwide, with the benefit of bringing one guest each.
  • Earn 5 Membership Rewards points for every full S$1.60 spent on Singapore Airlines and Scoot, which equates to 1.9 miles per S$1.
Rewards
  • Get 2 Membership Rewards® points for every S$1.60 spent.
  • With 10Xcelerator by Membership Rewards®, earn a total of 20 Membership Rewards® points for every full S$1.60 spent.
  • Your points will always be available, as they never expire.

Other Features

  • Receive an annual S$400 credit to dine at more than 1,400 carefully selected restaurants locally and internationally.
  • Access the Tower Club for free.
  • Enjoy complimentary access, along with a supplementary cardholder and one guest each, to over 1,400 lounges including The Centurion Lounge, Priority Pass, and International American Express Lounges.
  • Stay at any of the 1,300 participating Fine Hotels & Resorts worldwide and enjoy special rates and unexpected perks worth up to S$800.
  • Attain instant higher-tier status in top hotel loyalty programs such as Marriott Bonvoy™ Gold Elite and Hilton Honors Gold.
  • Your Membership Rewards points will never expire.
  • At LOANPANDA, we are committed to providing accurate and up-to-date information. However, the information you see on the websites of financial institutions, service providers, or specific products may differ. MoneySmart is not responsible for compensating customers in the event that the information is not as current as our partners’ sites.

Eligibility

Singaporean/PR Minimum Income
  • Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.
Non-Singaporean Minimum Income
  • Card application is subjected to customers meeting the regulatory minimum income requirement and internal assessment.

Fees and Charges

  • Annual Principal Fee: S$1,728 (incl. of 8% GST with effect from 1 Jan 2023)
  • Supplementary Annual Fee: S$162 (incl. of 8% GST with effect from 1 Jan 2023). First 2 Supplementary Cards fee permanently waived.
  • Fee Waiver: Not Available
  • Interest Free Period: N/A
  • Annual Interest Rate: N/A
  • Late Payment Fees: 2.5% / month of any overdue previous balance or S$100 /month (whichever is greater)
  • Minimum Monthly Repayment: N.A. (All Charges are due for payment in full in Singapore Dollars immediately on receipt of your monthly statement)
  • Foreign Currency Transaction Fee: 2.95%
  • Foreign Check Fee: N/A
  • Cash Advance Transaction Fee: Handling fee of 5% of your withdrawal amount will apply for each withdrawal mount.
  • Overlimit Fee: N/A

Review

By LOANPANDA

The American Express Platinum Card offers excellent rewards, including 2 Membership Rewards points for every S$1.60 spent and up to 20 points for every S$1.60 spent with 10Xcelerator.

You’ll also enjoy exclusive privileges for dining, entertainment, and travel, including access to over 1,400 airport lounges worldwide. The card comes with home, travel, and roadside assistance, and your Membership Rewards points never expire. For an annual fee, this card is perfect for those who love to travel and indulge in fine dining and luxury experiences.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.

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